Category Archives: Regulation

Credit Reporting Changes Effective September 15, 2017

The last phase of a three year agreement is coming into effect this September.  The three largest Credit Reporting Agencies (CRA’s) Trans Union, Equifax, and … Continue reading

Credit Bureaus Limit Information on Consumer Reports

The three major Credit Reporting Agencies (CRA’s) Equifax, Experian and Trans Union have announced they will significantly limit or reduce the information placed on a … Continue reading

CFPB Announces Outline for Debt Collection Rules

The Consumer Financial Protection Bureau (CFPB) announced at a field hearing in Sacramento, California July 28, 2016 they plan to make it much easier for … Continue reading

Major Changes in Credit Reporting Announced

The three national Credit Reporting Agencies (CRA’s, aka credit bureaus, Equifax, Experian, Trans Union) announced they will not report medical debts for 180 days on … Continue reading

Where Obamacare and ICD-10 Collide

The Affordable Care Act, or more commonly known as ACA or “Obamacare”, continues to put pressure on providers and employers with respect to insurance coverage’s, … Continue reading

Fair Isaac Corp. Announces Change to FICO Credit Scores

Fair Isaac Corp., a San Jose based company and producer of the FICO credit score, announced August 6th they will no longer calculate paid medical … Continue reading

Keyword “Compliance”

The collection business is much more complicated than most people know, and it is getting more complex all the time.  And that is not necessarily … Continue reading

CFPB – No One is “Too Small”

The Consumer Financial Protection Bureau (CFPB) is now accepting consumer complaints against debt collectors via their web portal ( and I have been through a … Continue reading